Where can you buy health insurance?

Affordable Care Act

Where can you buy health insurance?

Published on January 17, 2015

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Inventory of health plans off exchangeIf you read the news (or work at eHealth.com) you may be shocked to hear that one-in-five Americans has no idea where or how to apply for health coverage.
Even more shocking is the fact that, a year after the launch of Healthcare.gov (and 18 years after the launch of eHealth.com), the number of people who don’t know where to obtain health coverage has increased.
A Transamerica Center for Health Studies report found that the percentage of people who don’t know how to get health insurance has increased by ten percentage points since July 2014 – just 9% in July 2014, compared to 19% in November 2014.
However, if you look at this map from the Heritage Foundation, or read their report about the availability of health plans available on the government exchanges, your level of shock may dissipate a little.

Lack of Selection on Exchanges

According to the Heritage report, in 33% of the counties nationwide consumers only have one or two insurance companies to pick from. Even in states like Texas that have a lot of insurance companies offering health plans on government exchanges like Healthcare.gov, there are 175 U.S. counties where only one insurance company has health plans for sale on the exchanges.
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Where the Heritage report misses the mark is in its claim that consumers are stuck with the choices offered on exchange.
With or without a tax credit/subsidy, consumers do not have to shop on government exchanges. And, if they prefer not to apply for tax credits/subsidies then they have more options if they shop off of the exchange.

Larger Selection of Health Plans Shopping Off of Exchanges

If you shop at eHealth.com you’ll have access to over 1,900 additional health plans – nationwide – than if you were to shop at Healthcare.gov, according an analysis published by eHealth on January 15, 2015 in a press release entitled, eHealth Offers Consumers 46% More Health Insurance Plans To Choose From Than Healthcare.gov.
The following represent the total number of plans available through Healthcare.gov compared to the total number of plans available through eHealth in each 33 states.
Alabama

  • Plans on Healthcare.gov: 29
  • Plans on eHealth.com: 54

Alaska

  • Plans on Healthcare.gov: 30
  • Plans on eHealth.com: 46

Arizona

  • Plans on Healthcare.gov: 206
  • Plans on eHealth.com: 227

Delaware

  • Plans on Healthcare.gov: 25
  • Plans on eHealth.com:  35

Florida

  • Plans on Healthcare.gov: 272
  • Plans on eHealth.com: 349

Georgia

  • Plans on Healthcare.gov: 207
  • Plans on eHealth.com: 432

Illinois

  • Plans on Healthcare.gov: 288
  • Plans on eHealth.com: 417

Indiana

  • Plans on Healthcare.gov: 137
  • Plans on eHealth.com: 338

Iowa

  • Plans on Healthcare.gov: 108
  • Plans on eHealth.com: 179

Kansas

  • Plans on Healthcare.gov: 64
  • Plans on eHealth.com: 115

Louisiana

  • Plans on Healthcare.gov: 79
  • Plans on eHealth.com: 121

Maine

  • Plans on Healthcare.gov: 53
  • Plans on eHealth.com: 96

Michigan

  • Plans on Healthcare.gov: 205
  • Plans on eHealth.com: 249

Mississippi

  • Plans on Healthcare.gov: 56
  • Plans on eHealth.com: 87

Missouri

  • Plans on Healthcare.gov: 88
  • Plans on eHealth.com: 165

Montana

  • Plans on Healthcare.gov: 49
  • Plans on eHealth.com: 50

Nebraska

  • Plans on Healthcare.gov: 71
  • Plans on eHealth.com: 111

New Hampshire

  • Plans on Healthcare.gov: 42
  • Plans on eHealth.com: 51

New Jersey

  • Plans on Healthcare.gov: 59
  • Plans on eHealth.com: 75

North Carolina

  • Plans on Healthcare.gov: 80
  • Plans on eHealth.com: 124

North Dakota

  • Plans on Healthcare.gov: 33
  • Plans on eHealth.com: 34

Ohio

  • Plans on Healthcare.gov: 267
  • Plans on eHealth.com: 313

Oklahoma

  • Plans on Healthcare.gov: 107
  • Plans on eHealth.com: 148

Pennsylvania

  • Plans on Healthcare.gov: 266
  • Plans on eHealth.com: 308

South Carolina

  • Plans on Healthcare.gov: 126
  • Plans on eHealth.com: 163

South Dakota

  • Plans on Healthcare.gov: 41
  • Plans on eHealth.com: 55

Tennessee

  • Plans on Healthcare.gov: 216
  • Plans on eHealth.com: 261

Texas

  • Plans on Healthcare.gov: 405
  • Plans on eHealth.com: 579

Utah

  • Plans on Healthcare.gov: 108
  • Plans on eHealth.com: 157

Virginia

  • Plans on Healthcare.gov: 95
  • Plans on eHealth.com: 269

West Virginia

  • Plans on Healthcare.gov: 15
  • Plans on eHealth.com: 26

Wisconsin

  • Plans on Healthcare.gov: 417
  • Plans on eHealth.com: 556

Wyoming

  • Plans on Healthcare.gov: 43
  • Plans on eHealth.com: 59

Interested in buying health insurance? You can explore your options for health insurance plans by entering your zip code where indicated on the right side of this page. Or, you can sign up for our newsletter from the right side of this page, too.
 

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